Central Insurance Group
3008 Heritage Rd NE, Milledgeville, GA 31061
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3008 Heritage Rd NE, Milledgeville, GA 31061
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3015 Heritage Road, Suite 5, Milledgeville, GA 31061
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101 Chase Ct NW, Ste A, Milledgeville, GA 31061
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1531 N Columbia St, Milledgeville, GA 31061
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128 W Franklin St, Milledgeville, GA 31061
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1776 N Jefferson St, Ste C, Milledgeville, GA 31061
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Learn about insurance coverage options specific to Milledgeville residents.
Milledgeville home insurance guide covering historic homes, Lake Sinclair flood risk, tornado coverage, and college rental properties. Get GA rates and tips.
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It depends on your elevation. Homes built above 343 feet above sea level can often qualify for a LOMA (Letter of Map Amendment) that removes them from FEMA's flood zone requirements. You'll need to hire a surveyor for an elevation certificate and file paperwork with FEMA. Even if you're exempt from mandatory coverage, voluntary flood insurance may be worth considering since heavy rainfall can cause flooding in unexpected areas.
Georgia homeowners pay an average of $2,041-$2,435 annually for home insurance, though your specific rate depends on your home's age, value, location, and condition. Historic homes and waterfront properties often cost more to insure due to specialized coverage needs. Rates have increased nearly 12% in the past year statewide, largely due to severe weather claims.
Yes, standard homeowners insurance policies cover tornado damage and wind damage to your home and belongings. However, check your wind/hail deductible—many Georgia policies now use percentage-based deductibles (1-5% of dwelling coverage) rather than flat dollar amounts. This means you might owe several thousand dollars out of pocket before coverage kicks in for storm damage.
Historic homes require extended or guaranteed replacement cost coverage that accounts for period-appropriate materials and craftsmanship. Standard policies may cap coverage for custom millwork, original fixtures, and specialty materials. Look for insurers experienced with historic properties and add endorsements specifically covering the cost to restore original architectural features using traditional methods and materials.
No, you need a landlord or dwelling fire policy specifically designed for rental properties. Standard homeowners policies typically exclude coverage when you're not living in the home. Landlord policies provide higher liability limits (crucial when renting to students), cover loss of rental income, and protect against tenant-caused damage. They cost more than homeowners policies but provide essential protections for rental situations.
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